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  1. I don't know - who is the issuing bank on the Star Card? the DOD may have some complicated arrangement that I've never dealt with before. I would have to research this issue, it's interesting , but need more specifics on this instead of just guessing. the back of your DH card should have some information Nada. After your post, I did some digging and ended up speaking with the credit department, and they knew less than I knew. The back of the card says really nothing - no bank, no lender information. Just says http://www.milexch.com, which I went to, and it just redirects you shopmyexchange.com. Useless LOL. The girl I talked to said the card was backed by Chase. I said, "I think you are mistaken because Chase hates my husband and would never give him a credit card. I think you are confusing it with the Chase Star Rewards Master Card. She said, "OK then I think it's BOA." I said, "Do you really know?" She admitted she wasn't sure who the lender was and told me to call tomorrow to find out. I got irritated and said, "So you are the credit department, yet you can't tell me what lender backs your cards??" She had no answer for me so I gave up, and decided to look for intelligent life elsewhere. So frustrating.
  2. OK, will do. So basically what is happening is we have two different lenders? The first one, the DPP, is the DoD, and the Star card is a different lender?
  3. I've got one, too LOL. Thanks. Guess that means mine will be next, since I'm his spouse?
  4. OK this is going to sound weird, but he seems to think their dates are off. He thought he had the card in the 80s, and they are saying it was 93. That being said, they can't find an account number, the date of the last payment or much of anything else. He said that he vaguely remembers an allotment but that it just stopped for no reason. As far as his retirement check, I don't think anything can come out of it except back child support and back taxes, without his approval. He retired in 1992. Maybe their dates are wrong, and they DFAS took it out until he retired, and the stopped. I don't know. The Army isn't top notch at keeping good records.
  5. Thanks, Muny. Know of any laws right off hand that can keep them from combining the two separate accounts? I'm going to call the state AG after we get the official letter from them, but if they don't combine the accounts, and this 20 year old debt doesnt' show up on his CR, I'll be OK. Like I said, I'm going to pay off the new card anyway, whether they re-open it or not. I just don't want the old debt re-aged, or on his CR. what state are you in, and what state is star credit or the current OC located in? We live in Georgia, the Star office is in Texas, and the old, original debt from 93 was in New York.
  6. Thanks, Muny. Know of any laws right off hand that can keep them from combining the two separate accounts? I'm going to call the state AG after we get the official letter from them, but if they don't combine the accounts, and this 20 year old debt doesnt' show up on his CR, I'll be OK. Like I said, I'm going to pay off the new card anyway, whether they re-open it or not. I just don't want the old debt re-aged, or on his CR.
  7. This is also posted in the main credit forum, but someone suggested I might get more help here! ******************************************* Have a question about a very old debt. Let me preface this by saying that I have worked very hard to get my husband's and my credit good, and we just bought a house in February, and a new car in May. OK -- my husband is retired Army. Back in 1993, he opened a DPP (deferred payment plan) at AAFES. A DPP is kind of like a charge account, I guess. He and I weren't together then, and he's having a hard time remembering the specifics. For whatever reason, the account didn't get paid off. When he and I got together in 1996, there was no mention of any kind of account, so I'm assuming he forgot about it. He never got a bill, never heard nothing else. Fast forward to 2012. About 5 months or so, ago, he opened a Military Star account, which is a credit card that can be used Exchange stores, etc. He got a line of credit for $4,750. We tried to use the card last night, and they said it was blocked because of the old debt from 1993. We called the Star credit office this morning, and they are just completely confused. All they know is that the card is blocked for the old debt. They showed the card was opened in 93, and turned over to collections in 96. They have no date for the last payment, no account number, anything. So I'm wondering what can be done, if anything. His new card is blocked and can't be used anymore. It seems that they are adding the two debts together, because the woman last night gave us a hyper-inflated amount due, even though the man today told us that the two debts hadn't been combined. The man on the phone told my husband that he'd be glad to combine the two debts, but my husband laughed at him and said, "Um, NO, you can't do that." He said "OK." Since we got the new Star card, we've used it to take advantage of a few sales, and like having the card. You get special sales, no sales tax, and so on. We've made our payments on time, and are even worried that, if the two debts are combined, it will reset the statute of limitations on the old debt, because it will look like we made a payment on 20 year old debt. I know (NOW) that the debt is there. I know that while we are under no legal obligation to pay the debt, morally we should pay the debt. That being said, I am trying to figure out if we have any recourse. Thanks in advance.
  8. Hmm- good idea. Thanks, hon. I'll try there, too.
  9. I would pay off the new line, close it, and not look back. it almost sounds like a weird form of BL to con folks into paying a very old debt. Thanks. I think that's the very thing I will do. I just want to make sure that, in doing so, it doesn't re-age the old stuff. I'm going to fight it if they try to, because it's two different account numbers.
  10. See, that's what I'm worried about. I don't know if the debt's been charged off, but it doesn't seem fair that they can combine the accounts. In doing so, when we started making payments on the new credit card, it re-aged the old debt. We are waiting on their final word, and then we are contacting the Texas Attorney General. And yeah, blacklisting is fine. I'm OK with that. The new debt will still be paid, whether he can use the card or not.
  11. Anybody have any ideas about this one, or who I could call to ask? Thanks...
  12. Have a question about a very old debt. Let me preface this by saying that I have worked very hard to get my husband's and my credit good, and we just bought a house in February, and a new car in May. OK -- my husband is retired Army. Back in 1993, he opened a DPP (deferred payment plan) at AAFES. A DPP is kind of like a charge account, I guess. He and I weren't together then, and he's having a hard time remembering the specifics. For whatever reason, the account didn't get paid off. When he and I got together in 1996, there was no mention of any kind of account, so I'm assuming he forgot about it. He never got a bill, never heard nothing else. Fast forward to 2012. About 5 months or so, ago, he opened a Military Star account, which is a credit card that can be used Exchange stores, etc. He got a line of credit for $4,750. We tried to use the card last night, and they said it was blocked because of the old debt from 1993. We called the Star credit office this morning, and they are just completely confused. All they know is that the card is blocked for the old debt. They showed the card was opened in 93, and turned over to collections in 96. They have no date for the last payment, no account number, anything. So I'm wondering what can be done, if anything. His new card is blocked and can't be used anymore. It seems that they are adding the two debts together, because the woman last night gave us a hyper-inflated amount due, even though the man today told us that the two debts hadn't been combined. The man on the phone told my husband that he'd be glad to combine the two debts, but my husband laughed at him and said, "Um, NO, you can't do that." He said "OK." Since we got the new Star card, we've used it to take advantage of a few sales, and like having the card. You get special sales, no sales tax, and so on. We've made our payments on time, and are even worried that, if the two debts are combined, it will reset the statute of limitations on the old debt, because it will look like we made a payment on 20 year old debt. I know (NOW) that the debt is there. I know that while we are under no legal obligation to pay the debt, morally we should pay the debt. That being said, I am trying to figure out if we have any recourse. Thanks in advance.
  13. No, I wouldn't say that it's pristine . I have 2 paid collections from a while back that the OC refused to remove. They won't fall off for a couple more years. As far as late pays, I have none. My oldest credit card is 5 years old, and I've never paid it late. My others are all a couple of years old, and I've never paid them late, either. I got the cards to build my credit so we could buy a house. I've got a couple of furniture loans that I got to build my credit, and they are about a year old, and I've never paid them late. I don't have my FICO, but my FAKO is 663 on all 3.
  14. Thanks. I have been a member of Navy Fed for about a year and a half, but didn't even apply with them because they were such douches when we applied for a mortgage with them. The clerk actually lied to us about certain things, etc, which floored us because this is Navy Fed, you know? But I've been a little gunshy with them because of that. My payment history is pristine for the last year with this loan, though. Ever since I got the car, I've not paid late once. Thanks for the info, though. I'll wait on the letters and go from there.
  15. I see. So it might not necessarily be so much my credit, as the fact that the car is worth less than is owed?

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